我国西部地区农业保险问题研究

农业保险是一种通过保险的商业化手段来管理农业中存在的各种风险的制度安排,其在我国西部农村经济发展中的地位越来越重要,可以有效帮助政府减轻灾害补贴压力,帮助广大农民减轻农业风险的损失。自1982年我国恢复农业保险以来,该险种一直都处于低潮期,高风险、高赔付率和缺少政策的支持,使农险业务逐步萎缩,文章分析了我国西部地区农业保险存在的问题,提出了相应的对策。

The Research of Agricultural Insurance about China West Region

Agricultural insurance is a system arrangement, which manages the agricultural risks by means of the commercialization of insurance. Since China resumed agricultural insurance in 1982, it had been at a low ebb period. In 1982, PICC first set foot in the areas of agricultural insurance. But High risk and high rates of payment induced the agricultural insurance business of PICC gradually shrinking, but also made the other insurance companies discouraged, In 2004.first agricultural insurance company, Shanghai Anxin was established. Many provinces and cities had set up to the agricultural insurance company. Agricultural Insurance seemed to be a rapid growth trend, but the road is still very long, especially in china west region.